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BUSINESS INSURANCE
A Smarter Way to Manage Risk
If insurance feels like a guessing game, you’re not alone. The old model leaves businesses overpaying, underprotected, and always reacting. This is your path to take control, lowering your total cost of risk and driving measurable outcomes. To succeed in today’s environment, you need every advantage and a partner who puts your priorities first.
WHAT OUR SOLUTIONS ARE BUILT TO DO FOR YOU
Insurance & Risk: Redefined
It’s not what got you into business, but it is what can keep you there. When risk is identified early and managed systematically, protection becomes precise and your business becomes harder to disrupt.
Align Coverage to Reality
You’re not a number, and you don’t fit in a box. We start where others don’t by uncovering what’s distinct about your business, so your coverage reflects reality, not assumptions.
Control What Drives Cost
We clarify the forces behind your cost, what’s working for you and against you, so you can take smarter action and strengthen your position with insight, not guesswork.
Improve Total Cost of Risk
Cost goes beyond premiums: claims, hidden exposures, and the risks you choose to carry. We move you from unaware to aware, improving your risk profile and reducing long-term cost.
Efficiency + Innovation
Efficiency and innovation aren’t mutually exclusive. The right strategy saves time, surfaces the right solutions, and gets more value from what you already spend.
Proactive By Design
Coverage, cost, service, and strategy shouldn’t live in separate silos. We bring it all together in a way that’s aligned, proactive, and built to support your long-term goals.
Trust That is Earned
Trust is built through action, not promises. You deserve a partner who follows through, stays steady in the storm, and leads with your best interest at the center of every decision.
SYSTEMATIC RISK MANAGEMENT
RiskMAP: Informed Moves, Not Costly Assumptions
RiskMAP™ was born from a simple truth: a well-defined problem is half-solved. But that’s not the industry norm. Why? Because doing it right takes more than good intentions. It takes disciplined focus to turn scattered inputs into clear, actionable insight. RiskMAP identifies what’s truly at risk through a client-first process: powered by people, backed by technology, and executed with the kind of precision other firms can’t scale.
RISK MANAGEMENT ACTION PLAN
Identify Risk
Discovering what makes your organization unique is the most important step, and it’s never just a one-time conversation. RiskMAP begins with a systematic approach to identifying what you’re exposed to, beyond insurance, and adapts as your business evolves.
BEYOND THE BASICS
Complexity Into Clarity
Business risks don’t come in neat categories, and neither should your solutions. Our in-house capabilities support your broader strategy with specialized guidance, deep technical understanding, and the ability to execute across industries and borders.
Analytics & Reporting
You can’t fix what you can’t see. Clear reporting, custom modeling, and benchmarking eliminate blind spots and drive confident decisions.
Captive Solutions
For the right organization, captives offer greater control, long-term stability, and cost efficiency—evaluated as part of a broader, aligned strategy.
Cyber Strategy
Today’s threats demand more than coverage. A strong cyber strategy connects exposure clarity, contractual protection, and rapid response.
Global Risk Management
Cross-border exposure brings complexity. Multinational placements and local compliance require structure and precision across regions.
Mergers & Acquisitions
From target evaluation to post-close integration, we clarify risk positioning, surface red flags early, and protect portfolio performance.
Surety & Bonding
A strong surety partnership enhances credit terms, expands bonding capacity, and stabilizes project risk across your pipeline.
INDUSTRIES WE SERVE
A Strategic Partner Across Sectors
Every business faces risk differently, even within the same industry. We work across a wide range of sectors, tailoring strategies to each organization’s unique challenges and goals.
LET'S NAIL OUR PARTNERSHIP
We’re Not for Everyone—And That’s a Good Thing
You deserve a partner aligned with how you work and define success, because that’s how long-term impact is made. Here’s how to know if we’re likely to work well together.
We’re Not a Good Fit for You if...
Are only focused on getting the lowest quote, regardless of coverage or impact
Prefer a hands-off relationship and don’t want visibility into how decisions get made
Believe protecting your business and people begins and ends with insurance
Aren’t interested in a more transparent, proactive, or strategic approach
We’re a Good Fit for You if...
Want confidence that you have the right coverage and clarity on what else is worth considering
Care about long-term cost and want to understand what’s actually driving it
See risk as something that can be improved, not just transferred to a policy
Expect your broker to create value, simplify the process, and challenge the status quo
WHAT IT'S LIKE TO WORK WITH US
Experience The McClone Model
If you're feeling skeptical, we get it. The old model hasn’t always delivered on its promises. That’s why we offer a no-pressure way to experience the McClone Model firsthand. We both invest time to explore alignment, because strong partnerships start with mutual clarity, not blind faith.
Meet Our Team
We start with a conversation. We ask questions to understand your structure, risks, and goals, so we can align on what matters most to your organization.
Test Drive the Model
If it makes sense to go further, we focus on a priority area and bring in the right experts to show how we approach problems and think differently.
Action Plan
We share what we found: what’s working, what’s not, and where there's room to improve. If it’s a fit, we plan next steps. If not, you still gain clarity.
IN THEIR OWN WORDS
“When we talked to McClone, it was clear right away that their approach was different. We didn’t even know what we were missing until we made the switch. Now I see what a broker relationship should look like.”
MORE TO EXPLORE
Risk & Insurance Resources
Knowledge is power and better outcomes start with better insight. These resources are designed to help you make confident decisions about risk, coverage, and what’s ahead.
